Bridge Loan
Program #LG403
Program #LG403
Summary of all Guidelines | |
| Loan Types | Bridge Loan |
| Property Types | 2-4 Units, Multi Family, SFR |
| Lendding Area | California |
| Loan amount Minimum | $100,000 |
| Loan amount Maximum | $1,500,000 |
| Interest Rate Minimum | 11% |
| Interest Rate Maximum | 13% |
| Points Minimum 1st TD | .50 |
| Points Maximum 1st TD | 1 |
| Terms | 1 year, 2 year |
| Interest Only or Amortized | Interest Only |
| Lien Position | 1st, 2nd |
| Intended Occupancy | Tenant, Vacant |
| Fixed or Adjustable | Fixed |
| General Pricing or Guideline info | SFR, 1-4 or 5+ all welcome. California only. Urban areas are preferred but will consider some rural areas. Yes I charge 1 point, the rest goes to you as the broker. I draw my own documents but am ok with using yours if you prefer. I usually don't need appraisals, if I ask for one, I probably don't like the deal. I can fund loans in under a week from time of submission. Docs can be done same day on high quality, low LTV deals. Feel free to run scenarios by me and I will get you answers swiftly. Have a great day, Ryan McPhillips The Ryan Michael McPhillips 401k Trust Private Loan Management (949)698-2840 |
| Updated as of | 2026-10-07 |
SFR, 1-4 or 5+ all welcome.
California only. Urban areas are preferred but will consider some rural areas.
Yes I charge 1 point, the rest goes to you as the broker.
I draw my own documents but am ok with using yours if you prefer.
I usually don't need appraisals, if I ask for one, I probably don't like the deal.
I can fund loans in under a week from time of submission.
Docs can be done same day on high quality, low LTV deals.
Feel free to run scenarios by me and I will get you answers swiftly.
Have a great day,
Ryan McPhillips
The Ryan Michael McPhillips 401k Trust
Private Loans Management
(949)698-2840
- Ryan McPhillips
